Allianz Life Insurance Company of North America A flexible-payment deferred variable annuity: Allianz Life Variable Account B

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1 Allianz Life Insurance Company of North America Vision Variable Annuity Allianz Vision SM Prospectus Variable Annuity A flexible-payment deferred variable annuity: Allianz Life Variable Account B For Vision contracts issued on or after May 2, Go Green Enroll to view your future prospectus updates online at Once registered go to Account details, then Online Documents. VSN-159

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3 T H E A L L I A N Z V I S I O N SM V A R I A B L E A N N U I T Y C O N T R A C T I S S U E D B Y A L L I A N Z L I FE V A R I A B L E A C C O U N T B A ND A L L I A N Z L I F E I N S U R A N C E C O M P A N Y O F N O R T H A M E R I C A This prospectus describes an individual flexible purchase payment variable deferred annuity contract (Contract) issued by Allianz Life Insurance Company of North America (Allianz Life, we, us, our). The Base Contract offers you, the Owner, standard features including: a seven-year withdrawal charge period, multiple variable investment options (Investment Options) and annuitization options (Annuity Options), a free withdrawal privilege, and a death benefit (Traditional Death Benefit). The Contract offers optional benefits, for an additional charge: Bonus Option provides a 6% bonus on the money you put into the Contract (Purchase Payments) subject to a vesting schedule. Bonus annuity contracts generally have higher charges than contracts without a bonus and therefore, the charges may be greater than the bonus. Short Withdrawal Charge Option shortens the withdrawal charge period to four years. No Withdrawal Charge Option eliminates the withdrawal charge. Quarterly Value Death Benefit locks in any quarterly investment gains (Quarterly Anniversary Value) to potentially provide an increased death benefit. If you select the No Withdrawal Charge Option or Quarterly Value Death Benefit, you must also select either Income Protector, Income Focus or Investment Protector (an Additional Required Benefit). Income Protector provides guaranteed lifetime income (Lifetime Plus Payments) until annuitization. We base payments on a value (Benefit Base) that is at least equal to total Purchase Payments adjusted for withdrawals plus a quarterly simple interest increase (Annual Increase). Guarantees are subject to the claims paying ability of Allianz Life. Income Focus provides guaranteed lifetime income (Income Focus Payments, which are similar to Lifetime Plus Payments) until annuitization. We base payments on a percentage of adjusted Purchase Payments, and that percentage can potentially increase by 1% each year if your Contract Value increases. You must be at least age 45 to select Income Focus. Income Protector and Income Focus allow access to your investment value (Contract Value) and death benefit for a period of time after payments begin. Payments can begin as early as age 60 or as late as age 90. If you are required to annuitize your Contract as a result of current tax law, which may occur at age 95 or later, we provide an annuity option with payments at least equal to the Income Protector or Income Focus payments you are then receiving as described in section 9, The Annuity Phase When Annuity Payments Begin. Investment Protector provides a level of protection for your principal and any annual investment gains (Target Value), on a future date if you hold the Contract for the required period. If you select Income Protector, Income Focus or Investment Protector, we restrict your Investment Option selection and allocations and rebalance your Contract Value quarterly. Withdrawals reduce the guaranteed values provided by the Quarterly Value Death Benefit, Income Protector, Income Focus and Investment Protector, and may cause these benefits to end prematurely. For optional benefit availability, see section 11, Selection of Optional Benefits and check with your Financial Professional, the person who provided you advice regarding this Contract. Please read this prospectus before investing and keep it for future reference. It contains important information about your annuity and Allianz Life that you ought to know before investing. This prospectus is not an offering in any state, country, or jurisdiction in which we are not authorized to sell the Contracts. You should rely only on the information contained in this prospectus. We have not authorized anyone to give you different information. Allianz Life Variable Account B is the Separate Account that holds the assets that underlie the Contract. Additional information about the Separate Account has been filed with the Securities and Exchange Commission (SEC) and is available upon written or oral request without charge, or on the EDGAR database on the SEC s website ( A Statement of Additional Information (SAI) dated the same date as this prospectus includes additional information about the annuity offered by this prospectus. The SAI is incorporated by reference into this prospectus. The SAI is filed with the SEC and is available without charge by contacting us at the telephone number or address listed at the back of this prospectus. The SAI s table of contents appears after the Privacy and Security Statement in this prospectus. The prospectus, SAI and other Contract information are also available on the EDGAR database. The SEC has not approved or disapproved these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. An investment in this Contract is not a deposit of a bank or financial institution and is not federally insured or guaranteed by the Federal Deposit Insurance Corporation or any other federal government agency. An investment in this Contract involves investment risk including the possible loss of principal. Variable annuity contracts are complex insurance and investment vehicles. Before you invest, be sure to ask your Financial Professional about the Contract s features, benefits, risks and fees, and whether the Contract is appropriate for you based upon your financial situation and objectives. Dated: April 30,

4 Versions of Optional Benefits That Are No Longer Available The prospectus appendices include information on features, charges and available Investment Options for the following versions of benefits we no longer offer. The benefit version identifier (for example, (05.11)) is located in your rider. Appendix Benefit Version No Longer Available Available From Available Through D Income Protector (05.11) May 2, 2011 January 22, 2012 Income Protector (01.12) January 23, 2012 April 29, 2012 Investment Protector (05.10) May 2, 2011 January 22, 2012 E Original Quarterly Value Death Benefit May 2, 2011 April 29, 2012 Following are the currently available Investment Options. If you select Income Protector, Income Focus or Investment Protector, we restrict your Investment Option selection and allocations, and rebalance your Contract Value quarterly. See section 11.a, Income Protector, section 11.b, Income Focus and section 11.c, Investment Protector. Currently, all of the Investment Options below, except those with a (2) are available under the current version of Investment Protector. Investment Options with a (1) or a (2) below are available under the current version of Income Protector. Investment Options with a (2) below are available under Income Focus. ALLIANZ FUND OF FUNDS AZL Balanced Index Strategy Fund AZL Fusion SM Balanced Fund AZL Fusion SM Conservative Fund AZL Fusion SM Growth Fund AZL Fusion SM Moderate Fund AZL Growth Index Strategy Fund AZL MVP Balanced Index Strategy Fund (1),(2) AZL MVP BlackRock Global Allocation Fund (1),(2) AZL MVP Franklin Templeton Founding Strategy Plus Fund (1),(2) AZL MVP Fusion Balanced Fund (1),(2) AZL MVP Fusion Moderate Fund (1),(2) AZL MVP Growth Index Strategy Fund (1),(2) AZL MVP Invesco Equity and Income Fund (1),(2) ALLIANZ GLOBAL INVESTORS CAPITAL AZL Allianz AGIC Opportunity Fund BLACKROCK AZL BlackRock Capital Appreciation Fund AZL International Index Fund AZL Mid Cap Index Fund AZL Money Market Fund (1) AZL S&P 500 Index Fund AZL Small Cap Stock Index Fund BlackRock Global Allocation V.I. Fund COLUMBIA AZL Columbia Mid Cap Value Fund AZL Columbia Small Cap Value Fund DAVIS AZL Davis New York Venture Fund Davis VA Financial Portfolio DREYFUS AZL Dreyfus Research Growth Fund EATON VANCE AZL Eaton Vance Large Cap Value Fund FEDERATED AZL Federated Clover Small Value Fund FIDELITY Fidelity VIP FundsManager 50% Portfolio Fidelity VIP FundsManager 60% Portfolio INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT FRANKLIN TEMPLETON AZL Franklin Templeton Founding Strategy Plus Fund Franklin High Income Securities Fund Franklin Income Securities Fund (1) Franklin Templeton VIP Founding Funds Allocation Fund Franklin U.S. Government Fund (1) Mutual Shares Securities Fund Templeton Global Bond Securities Fund (1) Templeton Growth Securities Fund GATEWAY AZL Gateway Fund INVESCO AZL Invesco Equity and Income Fund AZL Invesco Growth and Income Fund AZL Invesco International Equity Fund J.P. MORGAN AZL JPMorgan International Opportunities Fund AZL JPMorgan U.S. Equity Fund MFS AZL MFS Investors Trust Fund MORGAN STANLEY AZL Morgan Stanley Global Real Estate Fund AZL Morgan Stanley Mid Cap Growth Fund OPPENHEIMER FUNDS AZL Oppenheimer Discovery Fund PIMCO PIMCO EqS Pathfinder Portfolio PIMCO VIT All Asset Portfolio (1) PIMCO VIT CommodityRealReturn Strategy Portfolio PIMCO VIT Emerging Markets Bond Portfolio PIMCO VIT Global Advantage Strategy Bond Portfolio (1) PIMCO VIT Global Bond Portfolio (Unhedged) PIMCO VIT Global Multi-Asset Managed Volatility Portfolio (1),(2) PIMCO VIT Global Multi-Asset Portfolio PIMCO VIT High Yield Portfolio (1) PIMCO VIT Real Return Portfolio (1) PIMCO VIT Total Return Portfolio (1) PIMCO VIT Unconstrained Bond Portfolio (1) SCHRODER AZL Schroder Emerging Markets Equity Fund 2

5 T A B L E O F C O N T E N T S Glossary... 4 Fee Tables... 8 Owner Transaction Expenses... 8 Owner Periodic Expenses... 8 Annual Operating Expenses of the Investment Options.. 9 Examples The Variable Annuity Contract State Specific Contract Restrictions When The Contract Ends Ownership, Annuitants, Covered Persons, and Payees Owner Joint Owner Annuitant Beneficiary Covered Person(s) Payee Assignment, Changes of Ownership and Other Transfers of a Contract Purchasing the Contract Purchase Requirements Faxed Applications Allocation of Purchase Payments Automatic Investment Plan (AIP) Dollar Cost Averaging (DCA) Program Free Look/Right-to-Examine Period Valuing Your Contract Accumulation Units Computing Contract Value and Bonus Value Investment Options Substitution and Limitation on Further Investments Transfers Between Investment Options Electronic Investment Option Transfer and Allocation Instructions Excessive Trading and Market Timing Flexible Rebalancing Program Financial Advisers Asset Allocation Programs Voting Privileges Our General Account Expenses Mortality and Expense Risk (M&E) Charge Rider Charge Contract Maintenance Charge Withdrawal Charge Transfer Fee Premium Tax Income Tax Investment Option Expenses Access to Your Money Free Withdrawal Privilege Systematic Withdrawal Program Minimum Distribution Program and Required Minimum Distribution (RMD) Payments Waiver of Withdrawal Charge Benefit Suspension of Payments or Transfers The Annuity Phase Calculating Your Annuity Payments Variable or Fixed Annuity Payments Annuity Payment Options When Annuity Payments Begin Partial Annuitization Death Benefit Traditional Death Benefit Death of the Owner and/or Annuitant Death Benefit Payment Options During the Accumulation Phase Selection of Optional Benefits Replacing Optional Benefits a Income Protector Selecting Income Protector Removing Income Protector Lifetime Plus Payment Overview Benefit Base Quarterly Anniversary Value Annual Increase Requesting Lifetime Plus Payments Calculating Your Lifetime Plus Payments Automatic Annual Lifetime Plus Payment Increases Taxation of Lifetime Plus Payments Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing When Income Protector Ends b Income Focus Selecting Income Focus Removing Income Focus Income Focus Payment Overview Total Income Value Income Values Income Value Percentages and Performance Increases Requesting Income Focus Payments Calculating Your Income Focus Payments Taxation of Income Focus Payments Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing When Income Focus Ends

6 11.c Investment Protector...65 Selecting Investment Protector...65 Removing Investment Protector...66 Target Value Dates...66 Target Value...67 Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing...68 When Investment Protector Ends d Quarterly Value Death Benefit e Bonus Option f Short Withdrawal Charge Option g No Withdrawal Charge Option Taxes...75 Qualified and Non-Qualified Contracts...75 Taxation of Annuity Contracts...75 Taxation of Lifetime Payments...76 Tax-Free Section 1035 Exchanges Other Information...77 Allianz Life...77 The Separate Account...77 Distribution...77 Additional Credits for Certain Groups...78 Administration/Allianz Service Center Legal Proceedings Financial Statements Status Pursuant to Securities Exchange Act of Privacy and Security Statement Table of Contents of the Statement of Additional Information (SAI) Appendix A Annual Operating Expenses for Each Investment Option Appendix B Condensed Financial Information Appendix C Effects of Partial Withdrawals and Lifetime Payments on the Values Available Under the Contract Appendix D Previous Versions of Income Protector and Investment Protector Income Protector Investment Protector Appendix E Original Quarterly Value Death Benefit For Service or More Information Addresses for mailing checks GLOSSARY This prospectus is written in plain English. However, there are some technical words or terms that are capitalized and are used as defined terms throughout the prospectus. For your convenience, we included this glossary to define these terms. Accumulation Phase the initial phase of your Contract before you apply your total Contract Value to Annuity Payments. The Accumulation Phase begins on the Issue Date and may occur at the same time as the Annuity Phase if you take Partial Annuitizations. Additional Required Benefit an additional optional benefit you must select if you choose either the No Withdrawal Charge Option or Quarterly Value Death Benefit. The currently available Additional Required Benefits are Income Protector, Income Focus and Investment Protector. Annual Increase an amount used to determine the Benefit Base under Income Protector before Lifetime Plus Payments begin as discussed in section 11.a. If selected at issue, it is equal to total Purchase Payments adjusted for withdrawals plus a quarterly simple interest increase. We then reset this value to equal the current Contract Value if greater, and apply future quarterly simple interest to this reset value. Annuitant the individual upon whose life we base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase if they take a Full Annuitization. There are restrictions on who can become an Annuitant. Annuity Options the annuity income options available to you under the Contract. Annuity Payments payments made by us to the Payee pursuant to the chosen Annuity Option. Annuity Phase the phase the Contract is in once Annuity Payments begin. This may occur at the same time as the Accumulation Phase if you apply part of your Contract Value to a Partial Annuitization. Base Contract the Contract without any optional benefits. Beneficiary unless otherwise required by the Contract, the person(s) or entity the Owner designates to receive any death benefit. 4

7 Benefit Anniversary a twelve-month anniversary of the Benefit Date, or any subsequent twelve-month Benefit Anniversary. Benefit Base the amount we use to determine the initial annual maximum Lifetime Plus Payment. Benefit Date the date you begin receiving Lifetime Plus Payments under Income Protector or Income Focus Payments under Income Focus. Benefit Year any period of twelve months beginning on the Benefit Date, or on a subsequent Benefit Anniversary. Bonus Option an optional benefit available for an additional charge that provides a 6% bonus on Purchase Payments we receive before the older Owner reaches age 81 (subject to a three-year vesting schedule). This benefit has an additional M&E charge and a higher and longer withdrawal charge schedule. Bonus Value the total Contract Value plus any unvested bonus amounts. Business Day each day on which the New York Stock Exchange is open for trading, except when an Investment Option does not value its shares. Allianz Life is open for business on each day that the New York Stock Exchange is open. Our Business Day closes when regular trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time. Contract the deferred annuity contract described by this prospectus. Contract Anniversary a twelve-month anniversary of the Issue Date or any subsequent twelve-month Contract Anniversary. Contract Value on any Business Day, the sum of the values in your selected Investment Options. The Contract Value reflects the deduction of any contract maintenance charge, transfer fee, M&E charge and rider charge, but does not reflect the deduction of any withdrawal charge. It does not include amounts applied to a Partial Annuitization. If you have the Bonus Option, Contract Value includes only vested bonus amounts; it does not include unvested bonus amounts. Contract Year any period of twelve months beginning on the Issue Date or a subsequent Contract Anniversary. Covered Person(s) the person(s) upon whose age and lifetime(s) we base Lifetime Plus Payments or Income Focus Payments. There are restrictions on who can become a Covered Person. Excess Withdrawal if you select Income Protector or Income Focus, the amount of any withdrawal you take while you are receiving Lifetime Plus Payments or Income Focus Payments that, when added to other withdrawals taken during the Benefit Year, is greater than your annual maximum permitted payment. Excess Withdrawals reduce your Contract Value and any guaranteed values, and may end your Contract. Financial Professional the person who advises you regarding the Contract. Full Annuitization the application of the total Contract Value to Annuity Payments. Good Order a request is in Good Order if it contains all of the information we require to process the request. If we require information to be provided in writing, Good Order also includes provision of information on the correct form, with any required certifications or guarantees, received by the Service Center from the correct mailing address. If you have questions about the information we require, please contact the Service Center. Income Date the date we begin making Annuity Payments to the Payee from the Contract. Because the Contract allows for Partial Annuitizations, there may be multiple Income Dates. Income Focus an optional benefit available for an additional charge that is intended to provide a payment stream for life in the form of partial withdrawals. Income Focus provides no payment until the younger Covered Person is at least age 60. Income Focus Payment the payment we make to you under Income Focus based on Income Value(s) and their associated Income Value Percentages. Income Protector an optional benefit available for an additional charge that is intended to provide a payment stream for life in the form of partial withdrawals. Income Protector provides no payment until the younger Covered Person is at least age 60. 5

8 Income Value(s) if you select Income Focus, we establish an Income Value for all Purchase Payments received in a specific time period that have the same associated Income Value Percentage as stated in section 11.b. We adjust each Income Value for subsequent withdrawals. A single Contract may have multiple Income Values. We use Income Value(s) to calculate the annual maximum Income Focus Payment. Income Value Percentage(s) a percentage we apply to each Income Value to determine the annual maximum Income Focus Payment. We establish a separate Income Value Percentage for each Income Value as discussed in section 11.b. The Income Value Percentage can potentially increase by 1% each year if your Contract Value increases. Increase Base an amount we use to determine the Annual Increase as discussed in section 11.a, Income Protector. If selected at issue, it is initially equal to total Purchase Payments adjusted for withdrawals. On Quarterly Anniversaries, if we reset the Annual Increase to equal the current Contract Value, we also reset the Increase Base to equal the current Contract Value. Investment Options the variable investments available to you under the Contract. Investment Option performance is based on the securities in which they invest. Investment Protector an optional benefit available for an additional charge. It is intended to provide a level of protection for your principal and any annual investment gains on a specific date in the future. Issue Date the date shown on the Contract that starts the first Contract Year. Contract Anniversaries and Contract Years are measured from the Issue Date. We must receive your initial Purchase Payment and all necessary information before we issue the Contract. Joint Owners two Owners who own a Contract. Lifetime Plus Payment the payment we make to you under Income Protector based on the Benefit Base. Non-Qualified Contract a Contract that is not purchased under a pension or retirement plan qualified for special tax treatment under sections of the Internal Revenue Code. No Withdrawal Charge Option an optional benefit available for an additional charge that eliminates the Base Contract s seven-year withdrawal charge. Also requires selection of an Additional Required Benefit. Owner you, your and yours. The person(s) or entity designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract. Partial Annuitization the application of only part of the Contract Value to Annuity Payments. Payee the person or entity who receives Annuity Payments during the Annuity Phase. Performance Increase a 1% annual increase to each Income Value Percentage if your annual Contract Value increases. A Performance Increase occurs for an Income Value Percentage only if it is associated with an Income Value we have had for at least one full Rider Year. Purchase Payment the money you put into the Contract. Qualified Contract a Contract purchased under a pension or retirement plan qualified for special tax treatment under sections of the Internal Revenue Code (for example, 401(a) and 401(k) plans), Individual Retirement Annuities (IRAs), or Tax-Sheltered Annuities (referred to as TSA or 403(b) contracts). Currently, we issue Qualified Contracts that may include, but are not limited to Roth IRAs, Traditional IRAs and Simplified Employee Pension (SEP) IRAs. Quarterly Anniversary the day that occurs three calendar months after the Issue Date or any subsequent Quarterly Anniversary. Quarterly Anniversary Value the highest Contract Value on any Quarterly Anniversary before age 91, adjusted for subsequent Purchase Payments and withdrawals, used to determine Income Protector s Benefit Base as discussed in section 11.a, and the Quarterly Value Death Benefit in section 11.d. Quarterly Value Death Benefit an optional benefit available for an additional charge that is intended to provide an increased death benefit. Also requires selection of an Additional Required Benefit. 6

9 Rider Anniversary a twelve-month anniversary of the Rider Effective Date or any subsequent twelve-month Rider Anniversary. Rider Anniversary Value the highest Contract Value on any Rider Anniversary, adjusted for subsequent Purchase Payments and withdrawals, used to determine Investment Protector s Target Value as discussed in section 11.c. Rider Effective Date the date shown on the Contract that starts the first Rider Year if you select Income Protector, Income Focus or Investment Protector. Rider Anniversaries and Rider Years are measured from the Rider Effective Date. Rider Year any period of twelve months beginning on the Rider Effective Date or a subsequent Rider Anniversary. Separate Account Allianz Life Variable Account B is the Separate Account that issues your Contract. It is a separate investment account of Allianz Life. The Separate Account holds the Investment Options that underlie the Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Investment Option. Service Center the area of our Company that issues Contracts and provides Contract maintenance and routine customer service. Our Service Center address and telephone number are listed at the back of this prospectus. The address for mailing applications and/or checks for Purchase Payments may be different and is also listed at the back of this prospectus. Short Withdrawal Charge Option an optional benefit available for an additional charge that shortens the Base Contract s withdrawal charge period to four years. Target Value if you select Investment Protector at issue, it is the greater of total Purchase Payments adjusted for withdrawals, or the Rider Anniversary Value multiplied by the current guarantee percentage that is available on each Target Value Date as stated in section 11.c. Target Value Date the date on which we guarantee your Contract Value cannot be less than the Target Value. Total Income Value the sum of all your individual Income Value(s). We use the Total Income Value to determine your Income Focus rider charge. Traditional Death Benefit the death benefit provided by the Base Contract. Traditional Death Benefit Value total Purchase Payments adjusted for withdrawals. Withdrawal Charge Basis the total amount under your Contract that is subject to a withdrawal charge. 7

10 FEE TABLES These tables describe the fees and expenses you pay when purchasing, owning and taking a withdrawal from the Contract, or transferring Contract Value between Investment Options. For more information, see section 7, Expenses. O W N E R T RA N S ACT I O N E X P EN S E S Withdrawal Charge During Your Contract s Initial Phase, the Accumulation Phase (1) (as a percentage of each Purchase Payment withdrawn) (2) Number of Complete Years Since Withdrawal Charge Amount Short Withdrawal No Withdrawal Purchase Payment Base Contract (3) Bonus Option (4) Charge Option Charge Option 0 8.5% 8.5% 8.5% 0% 1 8.5% 8.5% 7.5% 0% 2 7.5% 8.5% 5.5% 0% 3 6.5% 8% 3% 0% 4 5% 7% 0% 0% 5 4% 6% 0% 0% 6 3% 5% 0% 0% 7 0% 4% 0% 0% 8 0% 3% 0% 0% 9 years or more 0% 0% 0% 0% Transfer Fee (5)... $25 (for each transfer after twelve in a Contract Year) Premium Tax (6) % (as a percentage of each Purchase Payment) O W N E R P ER I O DI C E X P E N SE S Contract Maintenance Charge (7)... $50 (per Contract per year) (1) The Contract provides a free withdrawal privilege that allows you to withdraw 12% of your total Purchase Payments annually without incurring a withdrawal charge as discussed in section 8, Access to Your Money Free Withdrawal Privilege. (2) The Withdrawal Charge Basis is the amount subject to a withdrawal charge as discussed in section 7, Expenses Withdrawal Charge. (3) In Mississippi, the withdrawal charge is 8.5%, 7.5%, 6.5%, 5.5%, 5%, 4%, 3% and 0% for the time periods referenced. (4) Not available in Connecticut or Oregon. In Mississippi, the withdrawal charge is 8%, 8%, 8%, 8%, 7%, 6%, 5%, 3.5%, 1.5% and 0% for the time periods referenced. (5) We count all transfers made in the same Business Day as one transfer. Program and benefit related transfers are not subject to the transfer fee and do not count against the free transfers we allow as discussed in section 7, Expenses Transfer Fee. Transfers are subject to the market timing policies discussed in section 5, Investment Options Excessive Trading and Market Timing. (6) Not currently deducted, but we reserve the right to do so in the future. This is the maximum charge we could deduct if we exercise this right as discussed in section 7, Expenses Premium Tax. (7) Waived if the Contract Value is at least $100,000 as discussed in section 7, Expenses Contract Maintenance Charge. 8

11 CONTRACT ANNUAL EXPENSES Mortality and Expense Risk (M&E) Charge (8) (as a percentage of each Investment Options net asset value) Base Contract without optional benefits 1.40% Base Contract with Quarterly Value Death Benefit (9) 1.70% Base Contract with the Short Withdrawal Charge Option 1.65% Base Contract with the Short Withdrawal Charge Option and 1.95% Quarterly Value Death Benefit (9) Base Contract with the Bonus Option (10) 1.70% Base Contract with the Bonus Option and 2.00% Quarterly Value Death Benefit (9),(10) Base Contract with the No Withdrawal Charge Option 1.75% Base Contract with the No Withdrawal Charge Option and 2.05% Quarterly Value Death Benefit (9) Income Protector Single Lifetime Plus Payments (as a percentage of the Benefit Base) Joint Lifetime Plus Payments (as a percentage of the Benefit Base) Income Focus Single Income Focus Payments (as a percentage of the Total Income Value) Joint Income Focus Payments (as a percentage of the Total Income Value) Rider Charge Maximum Current (11) 2.50% 2.75% 1.20% 1.20% 2.75% 1.30% 2.95% 1.30% Investment Protector (as a percentage of the Target Value) 2.50% 0.95% AN N UAL O P E RAT I N G E X P EN S E S O F T H E I N V E ST M E NT OPTIO N S Following are the minimum and maximum total annual operating expenses charged by any of the Investment Options for the period ended December 31, 2011, before the effect of any contractual expense reimbursement or fee waiver. We show the expenses as a percentage of an Investment Option s average daily net assets. Minimum Maximum Total annual Investment Option operating expenses (12) (including management fees, distribution or 12b-1 fees, and other expenses) before fee waivers and expense reimbursements 0.52% 1.73% (8) The Contract allows Partial Annuitization. After a Partial Annuitization, the M&E charge listed above applies to the net asset value remaining in the Accumulation Phase. If you select variable Annuity Payments the M&E charge for a Base Contract with the Bonus Option is 1.70% of the net asset value in the Annuity Phase, or 1.40% for all other Contracts. If you select fixed Annuity Payments we do not assess the M&E charge during the Annuity Phase. See section 7, Expenses Mortality and Expense Risk (M&E) Charge. (9) If you remove an Additional Required Benefit from your Contract without simultaneously replacing it, we no longer assess the additional 0.30% M&E charge for the Quarterly Value Death Benefit after the rider termination date. (10) Not available in Connecticut or Oregon. (11) The current rider charge may increase or decrease on each Quarterly Anniversary as discussed in section 7, Expenses Rider Charge. (12) Some of the Investment Options or their affiliates may also pay service fees to us or our affiliates. Amounts may be different for each Investment Option. The maximum current fee is 0.25%. If these fees are deducted from Investment Option assets, they are reflected in the above table and disclosed in Appendix A. Appendix A contains annual operating expense details for each Investment Option. 9

12 E XA M PL E S These examples are intended to help you compare the cost of investing in this Contract with the costs of other variable annuity contracts. These examples assume you make a $10,000 investment and your selected Investment Options earn a 5% annual return. They also assume the maximum potential fees and charges for each period and are not a representation of past or future expenses. Your Contract expenses may be more or less than the examples below, depending on the Investment Option(s) and optional benefits you select, and whether and when you take withdrawals. We deduct the $50 contract maintenance charge in the examples at the end of each year during the Accumulation Phase and we may waive this charge under certain circumstances, as described in section 7, Expenses Contract Maintenance Charge. A transfer fee may apply, but is not reflected in these examples (see section 7, Expenses Transfer Fee). All figures in the examples below reflect the most expensive combination of benefits and selection of Income Protector or Income Focus with joint payments. 1) If you surrender your Contract (take a full withdrawal) at the end of each time period. The 1Year figures are for the Base Contract with the Bonus Option, Quarterly Value Death Benefit, and Income Focus (8.5% declining withdrawal charge, 2.00% M&E charge, and maximum rider charge of 2.95%). The 3 and 5 Year figures are for the Base Contract with the Bonus Option, Quarterly Value Death Benefit, and Income Protector (8.5% declining withdrawal charge, 2.00% M&E charge, and maximum rider charge of 2.75%). The 10 Year figures are for the Base Contract with the No Withdrawal Charge Option, Quarterly Value Death Benefit, and Income Protector (2.05% M&E charge and maximum rider charge of 2.75%). Total annual Investment Option operating expenses before any fee waivers or expense reimbursements of: 1 Year 3 Years 5 Years 10 Years 1.73% (the maximum Investment Option operating expense) $1,561 $2,979 $4,298 $7, % (the minimum Investment Option operating expense) $1,445 $2,647 $3,775 $6,554 2) If you apply your total Contract Value to Annuity Payments (take a Full Annuitization) at the end of each time period. The earliest available date Annuity Payments can begin (Income Date) is one year after the date we issue the Contract (Issue Date) for Florida, and two years after the Issue Date in all other states. All figures in this table are for the Base Contract with the No Withdrawal Charge Option and Quarterly Value Death Benefit (2.05% M&E charge). Year 1 figures include Income Focus (maximum rider charge of 2.95%) and Year 3, 5 and 10 figures include Income Protector (maximum rider charge of 2.75%). Total annual Investment Option operating expenses before any fee waivers or expense reimbursements of: 1 Year 3 Years 5 Years 10 Years 1.73% (the maximum Investment Option operating expense) $ 716 $2,142 $3,619 $7, % (the minimum Investment Option operating expense) $ 600 $1,811 $3,097 $6,554 3) If you do not surrender your Contract. All figures in this table are for the Base Contract with the No Withdrawal Charge Option and Quarterly Value Death Benefit (2.05% M&E charge). Year 1 figures include Income Focus (maximum rider charge of 2.95%) and Year 3, 5 and 10 figures include Income Protector (maximum rider charge of 2.75%). Total annual Investment Option operating expenses before any fee waivers or expense reimbursements of: 1 Year 3 Years 5 Years 10 Years 1.73% (the maximum Investment Option operating expense) $ 716 $2,142 $3,619 $7, % (the minimum Investment Option operating expense) $ 600 $1,811 $3,097 $6,554 See Appendix B for condensed financial information regarding the accumulation unit values (AUVs) for the highest and lowest charges for Contracts offered as of December 31, See the SAI Appendix for condensed financial information regarding the December 31, 2011 AUVs for other charges. 10

13 1. THE VARIABLE ANNUITY CONTRACT An annuity is a contract between you as the Owner, and an insurance company (in this case Allianz Life), where you make payments to us and the money is invested in Investment Options available through the Contract. Depending on market conditions, your Contract can gain or lose value based on your selected Investment Options performance. When you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payout option you select that is described in this prospectus. We do not make any changes to your Contract without your permission except as may be required by law. The Contract has an Accumulation Phase and an Annuity Phase. The Accumulation Phase is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, your money is invested in the Investment Options you select on a tax-deferred basis. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take money out of your Contract. (For more information, see section 12, Taxes.) During the Accumulation Phase you can take withdrawals, and subject to certain restrictions, you can make additional Purchase Payments. You can also select any one of the following optional benefits, if available. Income Protector (see section 11.a) provides guaranteed lifetime income called Lifetime Plus Payments that can begin from age 60 to age 90.We base payments on the Benefit Base that is at least equal to the Annual Increase (total Purchase Payments adjusted for withdrawals plus a quarterly simple interest increase). You must be age 80 or younger to select Income Protector. Income Focus (see section 11.b) provides guaranteed lifetime income called Income Focus Payments (which are similar to Lifetime Plus Payments) that can begin from age 60 to age 90. We base payments on a percentage (Income Value Percentage) of each Income Value (Purchase Payments adjusted for withdrawals). Income Value Percentages can potentially increase by 1% each year if your Contract Value increases (Performance Increases). You must be age 45 to 80 to select Income Focus. Investment Protector (see section 11.c) provides a Target Value (a level of protection for your principal and any annual investment gains) that is available on a future date if you hold the Contract for the required period. You must be age 80 or younger to select Investment Protector. The Accumulation Phase ends upon the earliest of the following. The Business Day before the Income Date that you take a Full Annuitization. The Business Day we process your request for a full withdrawal. The death of any Owner (or the Annuitant if the Contract is owned by a non-individual). The Accumulation Phase ends on the Business Day we first receive in Good Order at our Service Center the death benefit payment option and due proof of death, unless the surviving spouse continues the Contract. A Business Day is any day the New York Stock Exchange is open, except when an Investment Option does not value its shares. A request is in Good Order when it contains all the information we require to process it. Our Service Center is the area of our Company that issues Contracts and provides Contract maintenance and routine customer service. If you request Annuity Payments, your Contract enters the Annuity Phase. During the Annuity Phase we make regular periodic payments (Annuity Payments) based on the life of a person you choose (the Annuitant). We send Annuity Payments to you (the Payee). You can choose when Annuity Payments begin (the Income Date), subject to certain restrictions. We base Annuity Payments on your Contract Value and the payout rates for the Annuity Option you select. If you select variable Annuity Payments, your payments will change based on your selected Investment Options performance. If you select fixed Annuity Payments, your payments do not change unless an Annuitant dies. The Annuity Phase ends when we make the last Annuity Payment under your selected Annuity Option. For more information, see section 9, The Annuity Phase. 11

14 ST AT E S P EC I F I C CO NT R ACT R E ST RI CTIONS If you purchase a Contract, it is subject to the law of the state in which it is issued. Some of the features of your Contract may differ from the features of a Contract issued in another state because of state-specific legal requirements. Features for which there may be state-specific Contract provisions may include the following. The withdrawal charge schedule. Availability of Investment Options, Annuity Options, endorsements, and/or riders. Free look rights. Selection of certain Income Dates. Restrictions on your ability to make additional Purchase Payments. Selection of certain assumed investment rates for variable Annuity Payments. Our ability to restrict transfer rights. All material state variations in the Contract are disclosed in this prospectus. If you would like more information regarding state-specific Contract provisions, you should contact your Financial Professional or contact our Service Center at the toll-free telephone number listed at the back of this prospectus. WH E N T H E C O NT R ACT E N DS The Contract ends when: all applicable phases of the Contract (Accumulation Phase and/or Annuity Phase) have ended, and/or all applicable death benefit payments have been made. For example, if you purchase a Contract and later take a full withdrawal of the total Contract Value, both the Accumulation Phase and the Contract end even though the Annuity Phase never began and we did not make any death benefit payments. 2. OWNERSHIP, ANNUITANTS, COVERED PERSONS, AND PAYEES O W N E R You, as the Owner, have all the rights under the Contract. The Owner is designated at Contract issue. Qualified Contracts, which are Contracts purchased under a pension or retirement plan qualified under sections of the Internal Revenue Code, can only have one Owner. J O I N T O WN E R A Contract that is not purchased under a pension or retirement plan qualified under sections of the Internal Revenue Code (Non-Qualified Contract) can be owned by up to two Owners. If a Contract has Joint Owners, we generally require the signature of both Owners on any forms that are submitted to our Service Center. NOTE: Partial Annuitizations (applying only part of your Contract Value to Annuity Payments) are not available to Joint Owners. There can be only one Owner, the Owner must be the Annuitant, and we do not allow the Owner to add a joint Annuitant. AN N UIT ANT The Annuitant is the individual on whose life we base Annuity Payments. Subject to our approval, you designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Income Date the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is part of a custodial arrangement. You can change the Annuitant on an individually owned Non-Qualified Contract at any time before the Income Date, but you cannot change the Annuitant if the Owner is a non-individual (for example, a qualified plan or trust). Subject to our approval, you can add a joint Annuitant on the Income Date if you take a Full Annuitization. For Qualified Contracts, the ability to add a joint Annuitant is subject to any plan requirements associated with the Contract. For jointly owned Contracts, if the Annuitant dies before the Income Date, the younger Owner automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant. 12

15 Designating different persons as Owner(s) and Annuitant(s) can have important impacts on whether a death benefit is paid, and on who receives it as indicated below. For more examples, please see the Appendix to the SAI. Use care when designating Owners and Annuitants, and consult your Financial Professional if you have questions. Action under the portion of the Contract that is in the Accumulation Phase We pay a death benefit to the person you designate (the Beneficiary) unless the Beneficiary is the surviving spouse and continues the Contract. If the surviving spouse continues the Contract, they become the new Owner and the Accumulation Phase continues for the remainder of their lifetime. B EN EF I C I A R Y UPON THE DEATH OF A SOLE OWNER Action under any portion of the Contract that is in the Annuity Phase The Beneficiary becomes the Owner. If the deceased was not an Annuitant, Annuity Payments to the Payee continue. No death benefit is payable. If the deceased was the only surviving Annuitant, Annuity Payments end or continue as follows. Annuity Option 1 or 3, payments end. Annuity Option 2 or 4, payments end when the guarantee period ends. Annuity Option 5, payments end and the Payee may receive a lump sum refund. If the deceased was an Annuitant and there is a surviving joint Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant. No death benefit is payable. The Beneficiary is the person(s) or entity you designate at Contract issue to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. For an individually owned Contract, if there is no valid Beneficiary at the time of your death, we pay any death benefit to your estate. For a non-individually owned Contract, if there is no valid Beneficiary at the time of the Annuitant s death, we pay any death benefit to the Owner. NOTE: For jointly owned Contracts, the sole primary Beneficiary is the surviving Joint Owner. Spousal Joint Owners may also appoint contingent Beneficiaries. If both spousal Joint Owners die before we pay the death benefit, we pay the death benefit to the named contingent Beneficiaries, or to the estate of the Joint Owner who died last if there are no named contingent Beneficiaries. If both spousal Joint Owners die simultaneously, state law may dictate who receives the death benefit. However, Joint Owners who are not spouses may not appoint contingent Beneficiaries. If both Joint Owners who are not spouses die before we pay the death benefit, we pay the death benefit to the estate of the Joint Owner who died last. 13

16 CO V E R ED P E R SO N( S) If you select Income Protector or Income Focus, we base Lifetime Plus Payments or Income Focus Payments (lifetime payments) on the lives of the Covered Person(s). Their ages determine availability of the benefit, when lifetime payments can begin and the initial annual maximum lifetime payment. When you select a benefit, you choose whether you want payments based on your life (single Lifetime Plus Payments or single Income Focus Payments), or the lifetime of you and your spouse (joint Lifetime Plus Payments or joint Income Focus Payments). Joint Covered Persons must be spouses within the meaning of federal law during the entire period your selected benefit is in effect. Joint Lifetime Plus Payments or joint Income Focus Payments are not available if there is more than a 30-year age difference between spouses. Based on your payment selection, we determine the Covered Persons as follows. For single lifetime payments and: solely owned Contracts, the Covered Person is the Owner. jointly owned Contracts, you can choose which Owner is the Covered Person. Contracts owned by a non-individual, the Covered Person is the Annuitant. For joint lifetime payments, Covered Persons must be spouses and: Non-Qualified Contracts: spouses must be Joint Owners; or one spouse must be the sole Owner and Annuitant and the other spouse must be the sole primary Beneficiary. Qualified Contracts: one spouse must be the sole Owner and Annuitant and the other spouse must be the sole primary Beneficiary; or if the Owner is a qualified plan or a custodian, then one spouse must be the Annuitant and the other spouse must be the sole contingent Beneficiary because we also require the qualified plan or custodian to be the sole primary Beneficiary. This structure allows the surviving non-annuitant spouse to continue to receive lifetime payments. After the date Income Protector or Income Focus is added to your Contract (Rider Effective Date) you cannot add or change a Covered Person. However, you can remove a joint Covered Person before the Benefit Date on a Contract Anniversary, or after the Benefit Date on a Benefit Anniversary by completing the appropriate form and sending it to us within 30 days before the anniversary. A Contract Anniversary is a twelve-month anniversary of your Contract s Issue Date. A Benefit Anniversary is a twelve-month anniversary of the Benefit Date that Lifetime Plus Payments or Income Focus Payments begin. We process your request on the Contract Anniversary* (or Benefit Anniversary*) that occurs immediately after we receive your request in Good Order at our Service Center. If you remove a joint Covered Person, we change your rider charge to equal the current charge for single lifetime payments that is in effect on the anniversary that we process your request to remove a joint Covered Person if this amount differs from your current charge. However, any new rider charge cannot be greater than the maximum listed in the Fee Tables or section 7, Expenses Rider Charge. * Or on the next Business Day if the Contract Anniversary or Benefit Anniversary is not a Business Day. Joint Covered Persons must continue to qualify as spouses under federal law while your benefit is in effect. If at any time before this you are no longer spouses, you must immediately send us notice. We either divide the Contract in accordance with any applicable court order or law regarding division of assets upon divorce, or remove a Covered Person from the Contract. At this time, we change the rider charge to equal the current charge for single lifetime payments that is in effect if this amount differs from your current charge. However, any new rider charge cannot be greater than the maximum listed in the Fee Tables or section 7, Expenses Rider Charge. When we receive notification of an Owner s death, if we discover that the joint Covered Persons were not federally recognized spouses at the time of death, spousal continuation of the Contract is not available. Therefore, your benefit, any lifetime payments and the Contract all end. If you select Income Protector and remove a joint Covered Person, we may increase your annual maximum Lifetime Plus Payment. If at the end of the last Business Day before the Benefit Anniversary that we remove the joint Covered Person the payment percentage for the remaining Covered Person s current age multiplied by the Contract Value is greater than your current annual maximum Lifetime Plus Payment, we increase your payment to this new amount. If you select Income Focus removing a joint Covered Person does not change your annual maximum Income Focus Payment. 14

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